WhatsTheCost is a financial calculator designed to show you how much something really costs you over time, whether it's your mortgage, credit card debt, or even your pack a day cigarette habit. Photo by Andres Rueda.

Looking at the short term picture when it comes to debt and expensive hobbies or habits can be a real money sink. WhatsTheCost is a simple financial calculator that lays out the long term cost. There are calculators for loans, mortgages, rate changes, savings, credit cards, debt snowballing, and even smoking and drinking. Curious about costs?

A pack a day at $5 a pack costs you $1,825 a year. If you're unlucky enough to be a smoker in New York City, the taxes there mean you'll spend $4,015 per year to keep the habit up.

A car loan for $10,000 at 7.5% over 48 months actually costs you $11,605.

A mortgage for $150,000 at 5% over a standard 30 year repayment plan will cost you $289, 883.

The calculator just gives you the raw data; it's up to you to decide what that data means to you. Taking the amount you would save by not smoking and plugging it into the savings calculator might be a sobering moment and tinkering with the repayment window on your mortgage might convince you to change the length of the mortgage you select—a 15 year mortgage in the above loan scenario yields a savings of over $70,000.